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Moon (Pay with Moon)

Virtual prepaid cards bought with crypto

Virtual prepaid · bought with crypto
KYC: none / minimal

Virtual cards bought with crypto (BTC, Lightning, USDT, USDC, ETH) and loaded in USD for instant use, with a low fee (1%, from $1) and no FX markup. Note: as of early 2026 there are many complaints about service unavailability / refund refusals — verify the service is working.

Updated: July 2026 · Status: verified (web research)

66/100

CRI rating

Key facts

Type: Virtual prepaid (bought with crypto)
Availability (geo): Global (online)
KYC: None / minimal
Top-up: BTC, Lightning, USDT (TRC-20), USDC (ERC-20), ETH
Card currency: USD
Fee (Moon X): 1% on purchases (min. $1); 0% FX; first card free, then $2.99
Alternative (Moon 1X): $1.49/card, no transaction fee
Official site: paywithmoon.com

Crypto card fees change often — check the issuer's official site before applying.

Pros & cons

Pros

Buy a card with crypto (incl. Lightning), loaded in USD.
Low 1% fee, no FX markup; first card is free.

Cons

As of early 2026 — many complaints about unavailability/refund refusals.
Prepaid, no chargebacks.

Moon (Pay with Moon) review

Moon (Pay with Moon) is a virtual prepaid card service where cards are bought with cryptocurrency (BTC, Lightning, USDT, USDC, ETH) and loaded in USD for instant online payments. Moon X charges 1% on purchases with no FX markup; the alternative Moon 1X costs $1.49 per card with no transaction fee. Important: in 2026 there have been many reports of service availability issues.

Methodology

CRI score by category

Category	Weight	Score (0–100)	Contribution
A. Cost & fees	20%	76	15.2
B. Availability (onboarding/crypto)	30%	78	23.4
C. Functionality	25%	64	16.0
D. Benefits	10%	50	5.0
E. Trust / reputation	10%	40	4.0
F. Transparency & support	5%	48	2.4
CRI			66/100 — "Fair" (with availability risk)